Chase UK Discussion

I mean it’s possible they just took it back off me quietly and I didn’t notice. A lot of money was spent, and in euros, so impossible to keep track.

Nothing in any account feeds or on the cash back feed that denotes cash back being reversed though from what I can see!

My experience was it just dropped off the feed not sure if it was still pending or not

2 Likes

Also just noticed that Money In alerts now have the senders name (no reference) - just need an alert tone as well. I wonder why it wasn’t added along with new Money Out alert tone?
Edit - just realised the sender has always been there :rofl:

Can confirm, my refund from 2 weeks ago still hasn’t had the cashback taken away

2 Likes

So I’ve accrued a whopping £6 in cashback thus far. Ok, it’s no where near what some of you have undoubtedly built up, but I only use my Chase account for personal expenditure and my most expensive purchase so far on my card has only been for £69 and lots of little odds and sods.

My Chase account is never for me, going to be a serious rival against my Starling account because it’s just not mature enough. I do have to admit though, the actual physical card is way better than Starling’s offering and a damn sight more grown up looking than that awful coral thing floating about. I flipped it out in Lidl today for a contactless payment, and quickly hid it again for fear of being mistaken for being overly wealthy :laughing:

Things do seem quite muted with Chase. I can’t say I’ve seen any real advertising, I’ve certainly not seen any TV stuff anyway.

I have decided though, when Chase eventually decide to introduce CASS, I will dump my RBS account and move it to Chase. I’ve given up the idea of a switching bribe, too much bother mucking about with direct debits, or having to put in a minimum monthly amount in to the account.

3 Likes

Chase ditched the waitlist today.

https://mobile.twitter.com/chase_uk/status/1453323139753160715

5 Likes

I am on £6.17, so similar spending to you, I guess.

I just use it for normal, planned, spending. Not into spending money for the sake of getting cashback as that’s not how my mind works.

I’d see it as spent £10 unnecessarily, just to see 10p cashback appear in app :man_shrugging:

I have used it to top up my Iceland bonus card with £20 for the Iceland bonus £1 (5%). I just then always pay for my Iceland shopping using the bonus card. Can top the bonus card up via PayPal as well, thus activating DD for one of my many current accounts eligibility requirements, though that’s NOT using Chase of course.

:rofl:

2 Likes

2- 3 working days will just be a catch all for any non-standard requests. It doesn’t mean it will actually take that long.

Barclays standard CHAPS fee is actually £25 which they waive for online transactions only.
Barclays providing anything for free surprises me but I guess it lays any mistakes on the customer and saves their in-branch staff 20-30 mins too.

I’m approaching £4, so a little less, but then I used Amex for the first half of the month still. It’s definitely a nice little extra

2 Likes

I actually used Chase for about a week but have now given up, despite having collected £7 cash back in a single week (expensive week :grimacing:):

While the cashback is obviously nice, the account is otherwise just lacking of anything that could make it usable as an actual account, meaning it needs to be used as a prepaid spending card. And I can’t cope with a prepaid card:

I had to top it up multiple times over the week, then miscalculated my main account budget and ended up in overdraft when a Direct Debit was collected (only for a few hours thanks to Barclays having notified me of the OD) - this is just way too complicated.

I’ll revert to earning a little less cash back using my Amex and Lloyds credit cards, but not having to think about having to move money around just to pay for my shopping …

2 Likes

I have similar feelings. It really impacted my cash flow, switching from Amex to Chase, especially as the whole household’s spend usually goes through me and I get paid back at the end of the month. It now means that I have to front all expenses throughout the month

And the cashback is less than my Barclays Blue Rewards, but it’s still money, I guess. I’ll see how the next month (with some bigger, irregular expenses also coming up) goes before I make a decision

I don’t see the complexity personally.

I leave money in my main account to cover my direct debits and possible emergency atm cash, and move rest to Chase.

Then just use Google Pay, with Curve, for all my shopping.

Simples :man_shrugging:

5 Likes

Yup. This is my approach. It’s as easy and as automated as paying my credit card bills. Only difference is you’re paying up front.

I tend to pay things annually where I can. But cashback isn’t payable on insurance premiums (according to their T&Cs). Nor on taxes (so council tax and I suspect the car road fund licence) will not earn cashback either.

And my car is currently being repaired, I won’t get any Chase cashback on that either.

For these sorts of things I’ll use my John Lewis credit card or Barclaycard Reward credit card.

3 Likes

I did get cashback on my repair (Kwik Fit)

1 Like

Interesting. Certainly according to the terms and conditions of cashback, we don’t earn cashback on “Car and van dealers - new and used sales, services, repairs, parts and leasing”. And my motor is at a full-service garage that also sells vehicles. Don’t think I’ll risk it :grinning:

I’ve hit my Chase card quite a bit this morning. At the moment, the only shop icons that aren’t proper icons, are Aldi and Lidl, everywhere else I’ve spent so far, the actual shop logo is on there.

Exactly this, although with me, I just transfer the amount I think I’ll actually spend over the month.

Thankfully, I’m one of these people that doesn’t need any budgeting tools, I know exactly what’s going out, where and when. Also helps that every single D/D goes out on the first working day of the month, makes life incredibly simple.

2 Likes

My NHS pension is transferred across by SO and everything I spend goes through Chase. Lloyds is the repository for salary and DDs.

Jury is out on my stance once DDs go live. I’d be up for it, particularly if something attractive replaces cash back in twelve months……:blush:

3 Likes

For those using Go Back in Time (I’ve just tested my first move from Revolut to Chase) how long does the refund tend to take?

From 1-3 working days depending on your bank processing times. Refunds on my Sainsburys nectar card appear same day if I go back in time before close of business.

On the other hand, Chase seems to be Crypto friendly, two transactions with no problems at all

2 Likes